Passengers, other drivers, and pedestrians hurt in Uber accidents in Plano have the right to pursue compensation from the driver, Uber's insurance policy, or both. Which policy applies depends on what the driver was doing at the moment of the crash, and our attorneys obtain that data directly from Uber.
At The NMW Law Firm, our Plano Uber accident lawyer team knows how to cut through the insurance layers and hold the right parties accountable. We handle every phase of your claim, from confirming the driver's app status at the time of the collision through settlement or verdict in Collin County District Court. Call for a free case review.
Get a Free ConsultationWho Do I Sue After an Uber Accident in Plano?
The liable party in an Uber accident depends on who caused the crash and what the driver was doing at the moment of impact. It could be the Uber driver personally, Uber through its insurance policy, another driver, or a combination of all three.
Uber classifies its drivers as independent contractors, not employees. That corporate structure is designed to limit Uber's direct liability for accidents. However, Texas law and Uber's own insurance policies still create a path to compensation, provided the claim is filed correctly and the driver's app status at the time of the crash is properly documented.
If you were hurt in an Uber-related collision in Plano, do not try to sort out the insurance layers on your own. Call The NMW Law Firm for a no-cost case evaluation.
How Uber's Insurance Coverage Works Based on Driver Status
The amount of insurance available to cover your injuries changes dramatically depending on what the Uber driver was doing when the accident occurred:
- App off: Uber provides no coverage at all. The driver's personal auto insurance is the only policy in play.
- App on, waiting for a ride request: Uber provides limited liability coverage of $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
- En route to pick up a passenger or actively transporting one: Uber's commercial policy provides up to $1 million in third-party liability coverage, plus $1 million in uninsured/underinsured motorist coverage.
The difference between $50,000 and $1 million in available coverage can come down to seconds. If the driver accepted a ride request moments before the crash, the higher policy applies. If they had not yet received one, you may be limited to a fraction of that amount.
Under Texas Insurance Code § 1954.052, Uber must maintain minimum liability coverage when the driver is logged on but waiting for a ride request. Under § 1954.053, a higher coverage tier applies once the driver accepts a ride and through the end of the trip. Together these statutes set the insurance floor for every phase of driver activity, and identifies which coverage applies to your crash.
Our Plano Uber accident attorneys obtain the driver's trip data directly from Uber to confirm the exact status at the time of the collision. That data is critical and time-sensitive.
How the Claims Process Works When You Are Filing Against Uber
Filing a claim against Uber is not the same as filing against a regular driver's insurance company. Uber routes all accident claims through its corporate insurance carrier, which a third-party administrator currently manages. That administrator works to protect Uber's financial exposure, not to compensate you fairly.
The process typically starts when you or your attorney submits a claim to Uber through its app or online portal. From there, the claim is assigned to an adjuster who works for Uber's insurer. That adjuster will request your medical records, review the police report, and begin looking for reasons to reduce or deny your claim.
What makes this more difficult than a standard auto insurance claim is the corporate infrastructure behind it. Uber retains national defense firms that handle thousands of accident claims per year.
These attorneys use templated strategies to dispute liability, challenge the severity of your injuries, and delay resolution until claimants give up or accept lowball offers.
Under Texas Civil Practice and Remedies Code § 33.001, Texas applies a modified comparative fault rule. Uber's legal team will try to assign a percentage of fault to you, the passenger, or even a third party to reduce the payout.
Our Plano Uber accident lawyer team builds each case with evidence designed to counter that strategy before it gains traction. Uber's insurance company has lawyers. You need lawyers, too. Talk to our team before you file anything.
Get a Free ConsultationWhat Compensation Is Awarded After an Uber Accident?
The damages available in your Uber accident case cover the financial losses you have already incurred, those you will face in the future with catastrophic injuries, and intangible losses that don't come with a bill. Your claim may include:
- All healthcare-related costs
- Lost wages from time missed at work
- Vehicle rental, repair, and replacement costs
- Diminished earning capacity if you cannot return to your previous job
- Future medical expenses
- Pain and physical suffering
- Emotional distress and psychological harm
- Scarring, disfigurement, or permanent disability
- Loss of consortium for spouses
In fatal collisions, surviving family members may pursue a wrongful death claim against the at-fault driver and Uber's insurance policy to secure burial and funeral costs, loss of financial support, loss of companionship, and pain and suffering.
Your injuries have real costs. Let our attorneys calculate what your case is actually worth. Call The NMW Law Firm now.
Past Case Results
What Should I Do Immediately After an Uber Accident in Plano?
Your actions in the first hours after an Uber accident directly affect the strength of your case. Take these steps as soon as you are able:
- Call 911 and request that police respond to the scene
- Get medical attention the same day, even for injuries that seem minor
- Take a screenshot of your Uber trip details, including the driver's name, vehicle information, and trip status
- Photograph the accident scene, all vehicles involved, your injuries, and road or weather conditions
- Collect names, phone numbers, and insurance information from every driver involved
- Get contact details from any witnesses
- Report the accident through the Uber app so the trip data is preserved on their end
- Do not post about the accident on social media
That Uber trip screenshot is uniquely important. It timestamps the ride and confirms the driver's status at the moment of the crash, which determines which insurance policy applies. If you close the app or the trip data is altered, that evidence may be harder to recover later.
Evidence disappears fast. Call our firm before the trail goes cold.
Hear From Our Clients
What Mistakes Will Hurt My Uber Accident Claim?
Injured passengers and other drivers make avoidable errors after Uber accidents that weaken their claims or eliminate them entirely. Avoid making these mistakes:
- Giving a recorded statement to Uber's insurance carrier without legal representation
- Accepting a quick settlement offer before your medical treatment is complete
- Failing to follow up on medical appointments or abandoning your treatment plan
- Deleting text messages, app notifications, or photos related to the trip
- Waiting too long to file a claim
Texas Civil Practice and Remedies Code § 16.003 gives you two years from the date of your Uber accident to file a claim or lawsuit. That may sound like a long window, but building a strong case against Uber's corporate insurer takes time, and starting late puts you at a disadvantage from the outset.
Do not let a preventable mistake cost you your case. Talk to our Plano Uber accident attorneys before you make any decisions.
Get a Free Consultation
Why Plano Uber Accident Victims Choose The NMW Law Firm
Our Plano rideshare accident lawyers understand how rideshare insurance policies work, how to obtain trip data and driver records from the company, and how to litigate against the national defense firms Uber retains.
Our Plano Uber accident lawyer team has handled these cases from initial claim through trial preparation, and our results reflect that preparation.
The NMW Law Firm has recovered over $200 million for injured clients across Texas. Results may vary. Prior case outcomes do not guarantee similar results. With more than 70 years of combined legal experience and over 3,000 resolved cases, we have the resources and track record to go head-to-head with Uber's corporate defense teams.
We file Uber accident cases in the Collin County district courts in McKinney and, when federal jurisdiction applies, in the U.S. District Court for the Eastern District of Texas. Plano juries in particular tend to hold corporate defendants accountable when the evidence shows the company prioritized profits over passenger safety.
Under Texas Transportation Code § 545.351, all drivers, including rideshare operators, must maintain a safe following distance and operate their vehicles at a prudent speed for conditions. When an Uber driver violates that standard, the violation itself becomes evidence of negligence.
Our attorneys use traffic code violations, dashcam footage, and electronic trip data to prove fault and counter the blame-shifting tactics Uber's insurers rely on. Our approach to every car accident case, including those involving rideshare companies, is the same: investigate thoroughly, document aggressively, and prepare for trial from day one.
Uber's legal team is already working against you. Let ours work for you. Reach out to The NMW Law Firm for a free consultation.
FAQ: What to Know About Uber Accidents in Plano
Can I File A Claim Against Uber If I Was A Passenger In The Car?
Yes. Uber passengers injured in an accident can file a claim against Uber's $1 million commercial liability policy. Because the driver was actively transporting you, the highest level of coverage applies. Our Plano Uber accident lawyers handle the claim directly with Uber's insurance carrier, so you do not have to deal with their adjusters.
What If The Uber Driver Was Not At Fault For The Accident?
You still have options. If another driver caused the collision, you can file a claim against that driver's personal auto insurance. Uber's uninsured/underinsured motorist coverage, which provides up to $1 million in coverage, may also apply if the at-fault driver lacks adequate insurance. Our attorneys identify every available policy.
How Long Will My Plano Uber Accident Case Take To Settle?
Most Uber accident claims resolve within several months to a year and a half, depending on injury severity and insurance complexity.
Cases that proceed to litigation in Collin County may take longer due to court schedules. We provide realistic timelines from the start and keep you updated throughout.
What If The Uber Driver's Personal Insurance Denies My Claim?
Personal auto insurance policies often exclude coverage for accidents that occur while the driver is working for a rideshare company. If the driver's personal insurer denies your claim, Uber's commercial policy may still apply depending on the driver's app status. Our attorneys determine which policy covers your injuries and pursue the correct carrier.
Can I Sue Uber Directly Or Only The Driver?
Most claims are filed against Uber's insurance policy rather than against Uber directly. However, if evidence shows Uber failed to screen the driver, ignored safety complaints, or maintained policies that contributed to the accident, a direct claim against the company may be available.
The NMW Law Firm Fights for Plano Uber Accident Victims
When Uber's insurance company offers you a settlement, that number is calculated to protect their bottom line, not to cover your actual losses. Our attorneys at The NMW Law Firm know exactly how these companies operate, and we build every case to push past their initial offers and secure a result that reflects the real cost of your injuries.
You did not cause this. The financial consequences should not fall on you. We handle every case on a contingency fee basis. You pay nothing upfront and owe no attorney fees unless we recover compensation for you.
Do not wait to call our attorneys. Call The NMW Law Firm (833) 758-4437 or reach out online today for a free case review. Our attorneys handle Uber's legal team so you can focus on recovery.
Get a Free Consultation